Nationwide Credit Corporation (NCC) is a third-party collection agency based in Virginia that specializes in collecting delinquent debts for healthcare providers. NCC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as using illegal communication tactics and attempting to collect debts not owed. If you have been contacted by NCC, understand your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Nationwide Credit Corporation was founded and incorporated in Virginia in 1970. The BBB established NCC’s profile page in 1995. NCC is listed as a collection agency that uses the alternate business name, N.C.C. Services. Buzzfile estimates Nationwide Credit Corporation’s annual revenue at $9.1 million and the size of its staff at 90 people.
According to its website, Nationwide Credit Corporation “is one of the largest and most respected collection agencies in the Mid-Atlantic region.” NCC’s stated mission is to “accelerate…clients’ cash flow cycle… to create a long and mutually profitable relationship.”
Nationwide Credit Corporation primarily serves clients in the healthcare industry. NCC’s affiliate, “Health Care Associates, Inc. (HCA) provides a broad range of business office services to healthcare providers, ranging from Early Out Programs to Special Projects.” In addition, “HCA representatives are specifically trained to service healthcare clients.” HCA offers pre-collect billing services, insurance outsourcing, payment monitoring, and computer conversion support.
In addition to healthcare, Nationwide Credit Corporation also provides collection services for clients in “retail, commercial, telecommunications, financial, education, government, and utility” industries. NCC’s full-service collection division offers 1st party collections, contingency collections, letter services, credit reporting, skip tracing, retuned check recovery, and legal services.
NCC’s website is client-facing and does not provide site visitors with a Consumer Resources page. They do indicate membership in several professional associations, including the American Association of Healthcare Administrative Management (AAHAM) and the Association of Credit and Collection Professionals (ACA International), but there is no information about compliance policies or training. The payment portal provides a state-specific legally mandated legal disclosure, but there are no links or references to consumer protection laws or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has closed 8 complaints against Nationwide Credit Corporation in the past three years, with 1 closed in the past 12 months. All of those complaints allege problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 22 complaints about NCC. Justia lists at least 5 cases of civil litigation naming NCC as a defendant.
Nationwide Credit Corporation
5503 Cherokee Ave., Suite 100
Alexandria, Virginia 22312
Telephone: (703) 776-9260
Website: http://www.nccarm.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely NCC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here are some Sample Cases filed in Federal Court
In November 2015 in the United States District Court of Appeals for the Seventh Circuit, a judge issued an Opinion in a case alleging Nationwide Credit Corporation had violated provisions of the Fair Debt Collection Practices Act (FDCPA). In this case, the plaintiff had received medical care. The plaintiff’s medical provider submitted a claim to his insurance company, but when the insurance company asked for additional information, the healthcare provider failed to respond. As a result, the claim was sent to NCC for collection. NCC allegedly contacted the plaintiff by phone, and the plaintiff told NCC that his insurance should have paid the bill. The plaintiff mailed and faxed a letter to NCC disputing the debt. Two days later, the plaintiff received a letter from Nationwide Credit Corporation informing the plaintiff that it was “extremely important” for him to pay the debt in full. The letter also stated that collection activity would continue if he didn’t, and that NCC would report a negative item on his credit report. The plaintiff contacted Nationwide Credit Corporation and demanded that they acknowledge that he had disputed the debt. He also contacted the healthcare provider and requested that they seek payment from the insurance company. The insurance company agreed and informed the plaintiff they would take his account out of collections. The plaintiff notified NCC about this communication. Regardless, NCC subsequently sent a letter to the plaintiff requesting payment. The bottom portion of the letter acknowledged the plaintiff’s dispute, but asked for additional information and included the statement, “this communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose.” The plaintiff in this case charged that the letter violated the FDCPA because it constituted collection activity on an account that had been disputed and that NCC had been notified was no longer in collections. Nationwide Credit Corporation attempted to have the matter dismissed by claiming that it was the result of a bona fide error. The court disagreed and found in favor of the plaintiff.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“When I first contacted Lemberg Law, I was at my wit’s end, not knowing what to do or how to protect myself against the collection agencies. I felt like I was sinking. After sending in my case evaluation, Lemberg Law quickly threw me a lifeline and turned the tide.”
“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls ended and were super considerate when I spoke together. I love the hard work!”
“I am so blessed that during this dreadful, frightening encounter, your company was there to help me. I can not thank you enough.”
We can absolutely help. Call us today.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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[…] 11. Nationwide Credit Corporation NCC Collections Complaints … […]
March 10, 2018
Federal Trade Commission,
Consumer Protection Division,
Criminal Debt Collection Practices by State
600 Pennsylvania Avenue, N.W.
Washington, D.C. 20580
Consumer Financial Protection Bureau
Consumer Protection Division,
Unfair Debt Collections Practices Division
1700 G Street, N.W.
Washington, D.C. 20044
RE: NATIONAL CREDIT COLLECTIONS/FAIRFAX COUNTY DEPARTMENT OF TAX ADMINISTRATION, VIOLATIONS OF FDCPA, DUE PROCESS, AND VIOLATIONS 0F THE SOCIAL SECURITY ACT.
Dear Sirs or Mss.:
I was referred to file my illegal consumer debt collection practices complaint to your agencies by the Virginia Attorney General’s Office and the Department of Justice, Office of the Aging, on behalf of Social Security Administration, concerning my car was illegally booted by the Fairfax County Sheriff’s deputies for debts I do not owe and for a debt that was to be eliminated on my being retired since August 1, 2017.
This morning, March 10, my car was booted by the Fairfax County Sheriff’s Office, acting on behalf of a credit collection company, I have no dealings with, NCC, National Credit Collections in Alexandria, VA., claiming that I owe them taxes amounting to, $35,000, (Bond). I am on a fixed income, $933, and do not owe that amount, having not been sued for it, in a specific amount.
Similarly, the Fairfax County Tax Administration had been fully informed of, repeatedly told about, and did unconstitutionally ignored my nearly 18-months requests for help to prosecute and seize from the State of New Jersey, as a crime-victim, pursuant to Federal criminal codes 18 U.S.C. § 3225 and § 3663, which does allow for seizure of assets from another State’s criminal Defendants, regarding that criminal Defendant’s owned assets. Documents received from the Fairfax County Tax Administration was that it had attempted to seize my wife’s assets, her home, fraudulently telling the County Department of Real Estate that I owned her home, adverse to it being owned by her femme sole, before our marriage.
It was done on a weekend, wthout any legal justifications on behalf of Fairfax County Tax Admin., by NCC. National Credit Corporation did employ illegal means without Due Process, adverse of 15 USC 1692(a), (C), (D), and (E), on attempting to seize property not owned by me, but is owned by Capital One Auto Finance. Under 15 U.S.C., 1692, (Sec. 806, 808, and 809), makes it a crime to cause damages to a person’s reputation and/or damage to the property is criminally liable to the debtor.
Fairfax County Sheriffs deputies placed large, bright yellow placards on the windows of the car located in the communities parking lot for all to see and read, violating Ss 806, 808, and 809 of the Unfair Debt Collection Practices Act.
By fraudulently alleging a debt exists and publicizing their attempt to seize another’s property by using NCC’s methods to make illegal threats of seizure of a person’s property, thus, forcing me to pay a debts I do not owe and that such debt are intentionally excessive, fabricated and without any legal justification or due process with a $35,000 bond on what is claimed to be an $800 debt that is absolutely impossible to pay on a one-a-monthly Social Security Retirement of $933 per month.
Fairfax County Police have over 18 months, refused to have Verizon Telephone Company find out who has been calling my wife and I, never leaving any messages, but over more than 100 times in about 6 months, hanging up on those few dozen times I have answered the phone.
Those more than 100 incoming harassing phone calls from all hours of the day til 9 p.m. EST, has caused my wife and I to verbally argue about when to and not to answer our telephone.
As of now, I am already trying to fix my debts from $2,000 a month in Aug. 2017 to 933 per month in Jan 2018, where the State of New Jersey owes me from 2015, nearly $450,000 (rounded off) as a crime-victim for criminal and consumer damages done to me under both Federal and VA, N.J. codes/ statutory laws which included my earned income of about, ($250,000), that Social Security has still not been paid from the State of New Jersey from July 17, 2015 to August 30, 2017.
I have been to more than 50 attorneys in the PA, NY, NJ, DE, VA, and Fed. Ct. to assist me to recover for these severe acts and crimes.
Anything that your office can do to urgently assist me will be greatly appreciated.
Respectfully yours,
Rosario “Ross” A. Fiorani,
*********
*********
Documents provided, as attached
Cc: Virginia Attorney General’s Office,
Mark Herring, Attorney General
Senators: Mark Warner,
Tim Kaine, Washington, DC.